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Frequently asked questions
PayPal is an online payment system that allows you to send and receive money around the world. You can link your bank account, credit card, or debit card. You can also have a balance in your PayPal account.
The PayPal app is one simple mobile app to:
- Send and request money.
- Keep track of your money and get offers in the app.
- Shop and earn rewards.
- Follow your packages on a map, get updates, and much more.
You can link 4 cards to your unverified account with PayPal. When your account is verified, you can link up to 24 cards in your PayPal mobile wallet app.
You can download the PayPal app from the iOS App Store or Android Play Store.
It’s free to open an account with PayPal or download the PayPal app. We do charge fees for the following:
- When you receive payments from a purchase
- When you receive payments from outside your country or region
For more information on fees, click Fees at the bottom of any PayPal page.
All in the
PayPal app
Simply and securely manage your transactions from one trustworthy place and get access to incredible rewards. Download the new app on your phone or sign up for free online.
Earn. Shop. Pay. Track it all.
Browse popular stores in the app, and find your next favorite purchase. View your balances, purchases, deliveries, payments, and subscriptions in real time. Make smart money moves with crypto, Savings, and PayPal Debit Card.
Shop and earn rewards2
Combine offers in the app with rewards on eligible purchases through your credit card program. We make sure you collect your rewards when you check out.
Pay when and where you want
Pay now, Pay in 46, or Pay Monthly7, with flexible payment options when you check out with PayPal online, in-store, or in the app.
Buy with peace of mind
Biometrics and passkeys secure your account before you buy. Your transactions are encrypted. And Purchase Protection covers your eligible purchases.5
Send or request money on the go
Send money in seconds.3 Pool money for group gifts and more.4 Split expenses. And request money from just about anyone, anywhere.
Ratings and Reviews
★★★★★ 4.8/5 stars
6.3M ratings in the Apple App Store
Purchased Tickets
★★★★★
I had double charged for tickets I have purchased. Straight away a real person had taken care of it. Secondly, the remaining tickets had to be taken care of as well. Reason is I had never received confirmation from the merchant. Since the charge was still pending a real person, customer service representative deleted the charge. I have been with PayPal since the beginning, and they have never disappointed me.
Great team
★★★★★
They worked really well on creating the platform. I'm able to open up like a online store yet also in person too. love now they work with and torm to the embody of my business making everything straight and narrow. I have always used them for what i was able yet now the reach will be further. teaming up together with new and larger strides than ever before with the business side.
Simplest form of online business
★★★★★
From all the other platforms I've used PayPal is probably the simplest online payment method I've come across.It's easy to set up, they don't care if you don't use for a certain time, it's acceptable just about anywhere online, and customers can use just about any payment to pay you...lt must have for any online business.
The PayPal app
One app for everything
★★★★★ 4.8 /5 stars6.3M ratings on the Apple App Store
A trusted way to pay with 400M+ active accounts worldwide1 and over 25 years in business. It’s more than a payment app. Shop and earn rewards.2 Pay for purchases. Manage your money, and more.
PayPal Digital, Inc. is chartered as a limited purpose trust company by the New York State Department of Financial Services to engage in virtual currency business.
1
PayPal Earnings-Q2, 2024, based on PayPal internal data.
*Active accounts are consumer and merchant accounts that have completed a transaction within the past 12 months.
2
Check offers for details Terms and exclusions apply.
3
An account with PayPal is required to send and receive money. A PayPal Balance account is required to hold and use a balance.
4
A PayPal Balance account is required to create a pool.
5
PayPal Purchase Protection is available on eligible transactions. Terms and limitations apply.
6
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply.: The lender for Pay in 4 is PayPal, Inc. (NMLS# 910457). Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
7
Pay Monthly is a consumer loan, and is subject to consumer credit approval and eligibility. In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI or WA. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. Marketing and program management by PayPal, Inc. (NMLS # 910457).: RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. Servicing by Bill Me Later, Inc. (NMLS#2296861). NMLS Consumer Access.